Bank of Lyons in Lyons, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 01, 1998

  • Bank of Lyons in Lyons, Illinois (IL)
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Bank of Lyons - Overview

  • General
  • FDIC Certificate #: 16805
    Status: Inactive
    Closing history: Participated in Reorganization
    Acquiring institution: BankChicago (#18168)
    Federal Reserve ID: 290931
    Date Established: June 18, 1949
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 10912
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: July 07, 1949
    Last Structure Change Effective Date: December 01, 1998
    Last Structure Change Process Date: Febuary 03, 1999
    Last Data Update: Febuary 03, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 8601 West Ogden Avenue, Lyons, IL 60534
    County: Cook
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Chicago
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Chicago, IL (#1600)
    Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14)
    Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176)
    Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    Core Based Statistical Division: Chicago-Joliet-Naperville, IL (#16974)
  • History of Changes
  • Merger - Without Assistance
    Participated in Reorganization
  • Financial Summary
  • Total assets: $70.6 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 44Total employees (full-time equivalent)
  • $67,466Total assets
  • $10,073Cash and due from depository institutions
  • $7,231Interest-bearing balances
  • $25,986Securities
  • $3,060Federal funds sold & reverse repurchase agreements
  • $26,257Net loans & leases
  • $452Loan loss allowance
  • $0Trading account assets
  • $1,385Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $705All other assets
  • $67,466Total liabilities and capital
  • $58,573Total liabilities
  • $57,573Total deposits
  • $48,012Interest-bearing deposits
  • $57,573Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $588Other borrowed funds
  • $0Subordinated debt
  • $412All other liabilities
  • $8,893Total equity capital
  • $8,893Total bank equity capital
  • $8,893Perpetual preferred stock
  • $0Common stock
  • $1,149Surplus
  • $3,951Undivided profits
  • Memoranda
  • $3,793Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $120Average Assets, year-to-date
  • $62,534Average Assets, quarterly
  • $26,836Volatile liabilities
  • $65,787Insider loans
  • $66,559FHLB advances
  • $7,678Loans and leases held for sale
  • $474Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $94Total risk weighted assets
  • $4,094Total unused commitments
  • $0Restructured Loans and leases
  • $32,141Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $4,318Total interest income
  • $1,732Total interest expense
  • $2,586Net interest income
  • $0Provision for loan and lease losses
  • $536Total noninterest income
  • $0Fiduciary activities
  • $269Service charges on deposit accounts
  • $0Trading account gains & fees
  • $267Additional noninterest income
  • $2,596Total noninterest expense
  • $1,663Salaries and employee benefits
  • $442Premises and equipment expense
  • $491Additional noninterest expense
  • $526Pre-tax net operating income
  • $0Securities gains (losses)
  • $111Applicable income taxes
  • $415Income before extraordinary items
  • $0Extraordinary gains - net
  • $415Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $9Sale, conversion, retirement of capital stock, net
  • $115Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.13%Yield on earning assets
  • 2.86%Cost of funding earning assets
  • 4.27%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 4.29%Noninterest expense to earning assets
  • 0.63%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 0.80%Pretax return on assets
  • 4.76%Return on equity (ROE)
  • 3.44%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 58.44%Efficiency ratio
  • 83,152Assets per employee
  • 1.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 27.71%Loss allowance to loans
  • 1.69%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 45.61%Net loans and leases to core deposits
  • 52.01%Equity capital to assets
  • 13.18%Core capital (leverage) ratio
  • 13.20%Tier 1 risk-based capital ratio
  • 27.61%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $65,787Average earning assets
  • $8,710Average equity
  • $60,533Average loans

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